HPA is an agreement for the purchase of expensive consumer goods in which the buyer pays a first account and pays the balance, plus interest, in instalments.  ConclusionThe bulk of the lease purchase system is suitable for buyers who need the asset in the short term or who are not sure of the long-term needs. The asset return cushion gives them that leverage. The tempering system is useful for those who are sure to use the asset up to its service life and for those who are able to take responsibility for the asset in terms of repairs and maintenance and wear. At the time of the time purchase, the purchase is made only when the full payment to the financing company is made. This means that after the payment of the last rental / payment fee, only the property is considered purchased or if the buyer or tenant pays in advance in a package between the agreed period for the purchase of the goods. During the tempered purchase, the purchase is made as soon as the contract between the buyer and the financing company is concluded. When buying the rental, both the property and the purchase are delayed until full payment, while when buying, buying and owning in tranches, they take place before full payment. In addition, purchase and instalment systems can provide an incentive for individuals and businesses to purchase goods that are beyond their means. You can also pay a very high interest rate at the end, which does not need to be explicitly stated. Buy-to-rent and buy-to-head are popular methods of financing goods. These methods differ with regard to the call option, the right of termination and the transfer of ownership.